Personal Insurance

Inflation. Rising material costs. A shortage of labour. In many cases, rebuilding your home will cost a lot more than its market value. We help you check whether you’re underinsured, and what you can do to make sure your home insurance is adequate.

Excess protection insurance helps you recover the excess you’ve paid after making a claim. We explain how it works, the type of policies it usually applies to, and how it could save you money in the long run.

Whether you’re claiming for your home, car, or business, we take a look at the general claims process so that you can feel prepared should the need arise.

Market pressures like inflation can mean higher premiums and lead to stricter terms, find out why, and what you can do to lower insurance costs without compromising on protection.

Personal injury discount rate: what is it and how has it changed? A change to how personal injury settlements are calculated means insurers have to be prepared for higher payouts, and that can mean higher premiums for customers.

What is Insurance Premium Tax and why do we have to pay it? In this guide, we look at the background of IPT and how it works.

Do you really need travel insurance for a staycation? We have a look at how travel insurance provides protection for a UK holiday, particularly in light of COVID-19 and the associated legal restrictions

Holidaying closer to home comes with completely different insurance needs than if you were going abroad, so make sure you're covered for your staycation

Insuring specific items, such as engagement rings or family heirlooms, is an automatic process for most people. However, if you don't have an up-to-date valuation, you might not have the right cover.

We're often asked if you need travel insurance if you have an EHIC. In this post, we explain why it's vital